CN115983983A

CN115983983A - Business handling and auditing method, system, readable storage medium and equipment

Info

Publication number: CN115983983A
Application number: CN202310127886.5A
Authority: CN
Inventors: 吕游; 朱文寅; 于洋; 毛炜锋
Original assignee: Boc Consumer Finance Co ltd
Current assignee: Boc Consumer Finance Co ltd
Priority date: 2023-02-17
Filing date: 2023-02-17
Publication date: 2023-04-18

Abstract

The invention discloses a business handling and auditing method, a system, a readable storage medium and equipment, and relates to the field of computer technology and finance. The invention adopts the remote surface label technology, and the information of the screen-casting material is displayed to the client in real time through the remote video for explanation; the inconvenience that the customer goes to the website for interviewing is avoided, meanwhile, the problem that the online product cannot collect the real-time information of the customer and cannot answer the question of the customer in real time is avoided due to the targeted question and answer, and the current financial fraud can be warned to the customer in time; in the approval process, the automatic approval and the cross manual approval are included; different approval processes are carried out aiming at different customers by setting corresponding rules, and the manual approval link is added for partial suspicious customers, so that the loan risk can be greatly reduced; the accessory storage system provides functions including permanent storage and temporary storage, facilitates different policy management of the system aiming at different accessories, and reduces the pressure in material circulation.

Description

Business handling and auditing method, system, readable storage medium and equipment

Technical Field

The invention belongs to the field of computer technology and finance, and particularly relates to a business handling and auditing method in a consumption financial loan business process flow, a corresponding system, a readable storage medium and equipment.

Background

At present, the common personal credit process in the consumption finance industry is online petty loan, and an online platform obtains a customer, and carries out risk decision and judges a credit line according to the basic information, credit investigation information, third-party platform scores and the like of the customer. The general credit process includes registering and filling in basic information of client, on-line real name authentication, binding bank card initiating application, risk decision making judgment, automatic approval, quota pricing, electronic signing and final paying. In the large credit loan, the flow of a part of loans is basically similar to the flow of on-line small loans, and the check is not needed; the other part of the large loan requires the client to visit a bank branch to handle the loan service; in the global credit process, the customer needs to provide or sign a variety of informed and contract information, which is often stored in a local file server.

The online process does simplify the complexity of the loan process, providing great convenience for individual consumption and daily production and operation, but has the following disadvantages: (1) Because the personal credit product data which is sent on line only needs an identity card, OCR real-time authentication and a bank card, the personal real-time data which can be obtained by a credit company is relatively less and the real-time condition of the credit company can not be confirmed on the spot, and the credit line is automatically generated by a system. The passing rate of products on the line is lower, the interest rate is higher than the interest rate examined under the line, and the credit line amount is relatively lower; (2) When leaving the trial, the client needs to read and understand all loan information by himself, and places with problems can not be consulted in time, so that giving up mind is easy to happen; (3) At present, customers can not read the terms of the loan carefully, different people can possibly cause corresponding problems when understanding the loan in different degrees, and customer complaints are easy to generate in the post-loan link; (4) The information of the online product is completely input by the customer, and the record error behavior is easy to generate in the link without human review; (5) For a credit company, the risk pressure is increased due to relatively less acquired customer information, and meanwhile, the specific information of loan terms cannot be explained to a customer in time without face examination, so that the loan risk and social fraud cannot be reminded in time; (6) Meanwhile, the automatic approval of the system completely depends on the basic information of the client, and bad loans are easy to generate if the basic information is wrong; (7) For offline products providing a face check, the customer can be in the field to avoid the possible problems of the online products; but the trial and error also increases the burden of the client, and the client needs to go to the site to handle the loan service personally, which causes great inconvenience to the client; especially in epidemic situations, many customers need to transact loan emergently, but cannot go to a website to transact business in time, so that the loss of the customers is easily caused; (8) The file is stored in the file server, the maintenance pressure is high, the file is inconvenient to flow among systems, and the data is inconvenient to pull in later-stage statistics.

Disclosure of Invention

The invention provides a business handling and auditing method, a system, a readable storage medium and equipment, which aim to solve the problems that the client information of an online product is insufficient, the offline product increases contradiction options of burden generated by the client, the real-time scene cannot be judged according to the dependence degree of basic information by automatic approval, the file storage pressure is high, and the circulation is inconvenient.

In order to solve the technical problems, the invention is realized by the following technical scheme:

the invention relates to a business handling and auditing method, which comprises the following steps:

s1, after identity verification, inputting relevant information of customer assets, signing a credit investigation authorization and submitting an application to a system approval decision;

s2, calling an integration evaluation system channel by a system approval decision, verifying the identity information and the asset information of the client, and giving the client a specific loan amount and a selectable face-to-face sign mode by combining a verified specific credit result;

s3, selecting an online remote online countersigning mode to handle, transferring countersigning orders to a client online terminal from a system platform to perform online tasks, wherein the tasks comprise 'personal information supplement', 'bank card deposit/repayment confirmation' and 'accessory upload', a client manager asks for the remote countersigning orders after completing the tasks, supplements and checks fields and accessory information of the orders, returns to the client to be supplemented again if the fields and the accessory information are supplemented, or transfers the online remote countersigning mode again according to specific information of the client to perform countersigning processing;

s4, after the specific time period is appointed, the client enters a loan application progress page and clicks a corresponding button to initiate a remote surface sign; after the remote face label is connected, the client controls the camera according to the prompt of a client manager, and starts an audio and video double recording process, which comprises links of verifying identity and informing of awareness; the middle part also comprises an information confirmation link for confirming the input information of the client and uploading the attachment and a client question and answer link for the client according to a client question and answer list by a client manager; in the information confirmation link, a client manager updates each field or attachment of the input information and the uploaded data in an operation page, and synchronously casts a screen to a client APP page in real time; if the attachment information of the client confirms that the attachment information is abnormal, the client manager can store and update the corresponding attachment through shooting or screen capturing by the camera; the accessory calls an interface of the accessory storage system in each link to upload the interface to the accessory storage server and sets storage time effectiveness, and all accessory materials in the whole process are uploaded to the accessory storage system; when the system is used, a preview interface of the accessory storage system can be called for previewing in real time, and a download interface can be called for downloading to the local, so that the unified management of accessory materials is realized; (ii) a

And S5, remote surface signing, wherein each page of the client manager is informed of page turning of the client, and finally, the client is sent to sign the name manually, after signing is finished, video recording is finished, and the client manager judges whether the remote surface signing process is finished or not.

Further, if any link in the steps S4-S5 has a breakpoint, recording continues from the original link.

Further, the identity verification comprises identity card OCR and living body detection verification.

Further, the client asset related information comprises house property, house loan, payment, insurance policy and vehicle information, and is used for enhancing credit.

Further, the integration evaluation system channel comprises a public security system, a credit investigation system, a third-party credit system and a real estate evaluation system, and is used for verifying the personal access, the rating threshold, the age, the contact, the income and the real estate information of the client.

Further, in the step S4, the identity is verified, and the next link is started when the system identity is verified, and if the number of times that the system identity is not verified exceeds the threshold, the customer manager may manually intervene to select whether the system identity passes.

Further, the client question and answer list provides personalized configuration content, including content expanded at the list and buttons for judging whether screen shooting is needed for the client, and in an information screen shooting shared area, a client manager can use a mouse to optionally scribble, so that the functions of clearing all the marks and reversing the marks step by step are provided.

A business handling and auditing system, comprising:

the first information entry module: the system is used for a client to automatically input specific client information at a client or to go to an offline website and to be assisted by a teller to input the client information; the client information comprises basic identity information of the client and credit-added information including real estate, house loan, payment, insurance policy, vehicles and contacts, and is submitted to an approval system for approval;

the first process approval module: the loan process node operation system is used for realizing the operation of each loan process node according to specific information input by a client, and comprises a process starting node, an information input node, a credit investigation report inquiry node, a decision node, a judgment surface signing mode node, a contract signing node, a confirmation credit increasing mode node and a process ending node; wherein, part of the nodes are used for acquiring user information required by the loan, and part of the nodes are used for processing the user information and judging approval results;

a risk decision module: the system comprises a first process approval module, a second process approval module, a third party credit information module and a third party credit information module, wherein the first process approval module is used for judging whether a client is in compliance or fraud aiming at the information including the personnel access of the client, a rating threshold value, age, contact persons, mobile phone numbers, certificate number income, real estate, blacklists and student status, determining credit rating and credit line of the client, and then returning the credit rating and credit line of the client to the first process approval module; after the risk verification of the client passes, the approval module advances the process to enter a second entry module;

the second information entry module: the method is used for the client to select to sign specific loan contracts, application forms and confirmation materials in a remote surface signing or under-line signing mode, and comprises the steps of identity verification, information supplement, material signing and informed confirmation; after the material signing is finished, submitting the material to an approval link for examining and approving specific information;

the second process approval module: the system is used for distributing materials to different data auditing posts by the auditing system, auditing different accessory materials by different auditing personnel, then generating a client risk level by the auditing system according to the information of a client, and when the risk level is lower than a certain threshold value, directly entering a quick auditing process by the system without manual intervention to increase the auditing speed; when the risk level exceeds a threshold value, entering a manual approval post, and judging whether the information material of the client returns to be supplemented, whether the information material meets the regulation or not and whether the information material is rejected or not according to the client information by the manual approval post; if the approval is passed, the process is ended and the result is informed to the client;

a money use and deposit module: and the system is used for issuing the loan amount to the client bank card according to the specific credit line and the client information when the loan process passes.

A readable storage medium having stored thereon a computer program which, when executed by a processor, implements a method corresponding to the steps S1-S5 above.

An apparatus comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor executing the program to implement a method corresponding to the steps S1-S5 as described above.

Compared with the prior art, the invention has the following beneficial effects:

(1) The invention adopts the remote surface-signing technology, and the client and a client manager can simultaneously perform real-time remote video and real-time screen projection material information and display the information to the client for explanation; the technology avoids the inconvenience that the client goes to a website for conducting face examination, meanwhile, the targeted question answering also avoids the problems that the online product cannot collect the real-time information of the client and cannot answer the question of the client in real time, and the current financial fraud can be warned to the client in time;

(2) In the approval process, the automatic approval and the cross manual approval are included; different approval processes are carried out aiming at different customers by setting corresponding rules, and the manual approval link is added for partial suspicious customers, so that the loan risk can be greatly reduced;

(3) The accessory storage system provides functions including permanent storage and temporary storage, so that the system can conveniently perform different policy management aiming at different accessories, and the temporary storage can control the expiration date of files; the whole storage system can be accessed by all other systems by only providing the storage path and the authentication information of the file, so that the pressure in material circulation is reduced.

Of course, it is not necessary for any product in which the invention is practiced to achieve all of the above-described advantages at the same time.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a flowchart illustrating the overall steps of a system approval decision method according to an embodiment of the present invention;

FIG. 2 is a flow chart of the steps of the pre-review sub-step of FIG. 1;

FIG. 3 is a flowchart illustrating the steps of the mask preparation step of FIG. 1;

FIG. 4 is a flowchart of the steps of the faceting step of FIG. 1;

FIG. 5 is a flowchart of the steps for an offline cabinet label in an exemplary embodiment;

FIG. 6 is a system block diagram of a business handling and auditing system in an embodiment.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The client who needs the loan service can transact the application through the client app or go to the offline website. After identity verification (including but not limited to verification modes such as identity card OCR, living body detection and the like), specific customer information (information such as real estate, house loan, payment, insurance policy, vehicles and the like for enhancing credit) is input, and an application is submitted to a system approval decision after a credit investigation authorization is signed, as shown in FIGS. 1 to 4.

The system approval decision calling integration comprises but is not limited to channels such as a public security system, a credit investigation system, a third-party credit system, a real estate assessment system and the like, information such as the personal access, the grading threshold value, the age, the contact, the income, the real estate and the like of a verification client, a specific loan amount is endowed to the client in combination with a specific credit result of the verification, and a selectable face-signing mode ('only supporting counter face signing' or 'supporting both counter face signing and remote face signing').

The order that supports counter face signing and remote face signing can automatically flow to the client APP side to carry out on-line tasks, and the client can select a remote face signing mode to handle services under the condition that the client is inconvenient to go to a website.

The order of the face sign can be automatically transferred to a client APP terminal to carry out online tasks, and the online tasks comprise 'personal information supplement', 'bank card placing/repayment confirmation' and 'accessory uploading'. After the task is completed, the client manager asks for the remote surface signing order, supplements and checks the field and the attachment information of the order, returns to the client for supplementing if the field and the attachment information are supplemented, and can switch the surface signing processing again according to the specific information of the client. The customer manager may then contact the customer by calling to agree on the specific remote countersigning time, or change the order to a counter countersigning on line, and the flow chart of the steps of counter countersigning on line is shown in fig. 5.

After the appointed specific time period, the client can enter a loan application progress page and click a related button to initiate a remote face-to-face sign. If the customer manager is not connected, the customer receives the prompt and hangs up the remote service, and if the drawing time is greater than the threshold value, the customer manager automatically hangs up and dials up the text prompt later; and if the drawing time is less than the threshold value, entering the remote surface label. The resolution can be reduced under the condition of network blockage, and if the network blockage is still not smooth, redialing after hang-up is prompted.

After the remote face label is connected, the client controls the camera according to the prompt of the client manager to start a double recording process (audio and video double recording). The first section carries out identity authentication, and the next link is started when the system passes the identity authentication. If the system verifies that the number of failures exceeds a threshold, a manual intervention by the customer manager may be made to select whether to pass.

And after the identity authentication is finished, starting an information confirmation link, wherein the information confirmation link comprises the step of confirming the important input information of the client and all uploading accessories of the client. In the link, a customer manager can update each field or attachment of the input information and the uploaded data in the operation page, and can throw a screen in real time and synchronize to a customer APP page. If the attachment information of the client confirms that the attachment information is abnormal, the client manager can shoot (screen capture) through the camera to store and update the corresponding attachment.

The next link of the remote surface label is a client question and answer link, in which a client manager can see the information materials of all clients and provides a client question and answer list for the client manager to refer. The question-answer list provides personalized configuration content, including content expanded at the list and a button for judging whether screen shooting is needed or not for a client, and in an information screen shooting shared area, a client manager can use a mouse to optionally scribble and provide functions of clearing all the content and reversing and marking in steps. And finishing the recording of the first section of video after the link is finished.

The second video recording is an informed notification link, and the client manager explains the informed content to the client according to the informed key points. The system provides informed key points and explanation techniques, and provides a function of sharing and checking the informed details for the client. All the content informed by the knowledge is displayed according to pages, and a customer manager manually clicks to turn the pages. Each page is forced to read for 5 seconds, and after the reading and the reading of all the contents are completed, the client needs to be sent to click and confirm at the APP endpoint.

In the last link of remote surface signing, a client manager turns pages for each page to inform the client, and finally sends the page to enable the client to sign names manually. And finishing signing, finishing video recording, and judging whether the remote surface signing process is finished by the client manager.

The overall remote surface signing link comprises five sub-links in two stages, namely an identity verification link, an information confirmation link and a client question and answer link in the front stage, and an informed confirmation link and an electronic contract signing link in the rear stage. The whole link not only makes up the defect that an off-line client must go to a network site, but also makes up the defects that an on-line product cannot confirm the current situation of the client in time, records information in error and cannot answer the problem of the client in time. If a breakpoint appears in the middle, the recording can be continued from the original link in time

After the remote face-signing is finished, the agent (customer manager) judges the contract credit-increasing mode of the order, and if the contract credit-increasing mode is not required, the contract credit-increasing mode is directly and automatically streamed; if a third party is required to give a strong notarization, the process is transferred to a strong notarization process; and if so, the client goes to counter and signs the paper contract flow.

If the offline endorsement is selected, the customer needs to go to the website for information confirmation and sign various application materials.

After the information of various materials of a client is input, the client enters a data verification link, wherein the link comprises a plurality of verification contents which are approved by different approvals, and the verification contents comprise information such as face-signed video materials, an authorization book, an informed confirmation book and a contract. And after the material is verified, the system determines whether the material can be automatically approved or not, if the customer information meets a certain threshold value, the material can be quickly approved, and if the customer information does not meet the threshold value, the material is submitted to be manually approved. Therefore, the progress of the approval process and the workload of the approval personnel are accelerated, and after the approval is finished, the client is informed of a specific approval result, and the money is used according to the approval result.

The process also comprises a set of accessory storage system, and all accessory materials in the whole process are uploaded to the accessory storage system. The accessory calls an interface of the accessory storage system in each link to upload to the accessory storage server and sets storage time efficiency. When the system is used, the preview interface of the accessory storage system can be called for previewing in real time, and the download interface can be called for downloading to the local, so that the unified management of accessory materials is realized.

As shown in fig. 6, the embodiment of the present invention further provides a system for implementing loan transaction, the system comprising:

the first information entry module: the customer enters specific customer information at the customer terminal or goes to an offline website and is assisted by a teller to enter the customer information. The system comprises basic identity information of a client, and credit increase information of real estate, real estate loan, payment, insurance policy, vehicles, contacts and the like. The information is submitted to an approval system for approval.

The first process approval module: the operation of each loan process node is realized according to specific information input by a customer, wherein the operation comprises but is not limited to a process starting node, an information input node, a credit investigation report inquiry node, a decision node, a judgment surface signing mode node, a contract signing node, a confirmation credit increasing mode node, a process ending node and the like. And part of the nodes are used for acquiring user information required by the loan, and part of the nodes are used for processing the user information and judging approval results.

A risk decision module: according to the user information provided by the approval module and the third-party credit information of the client, whether the client is compliant or fraudulent is judged according to the information such as the pedestrian access, the scoring threshold, the age, the contact, the mobile phone number, the certificate number income, the real estate, the blacklist, the student status and the like of the client, the credit score and the credit line capable of being granted of the client are determined, and then the credit score and the credit line capable of being granted of the client are returned to the flow approval module. After the risk verification of the client passes, the process is advanced by the approval module to enter the second entry module

The second information entry module: at this time, the client can choose to sign materials such as specific loan contract, application form and confirmation form by remote surface signing or under-line surface signing, and the steps of identity verification, information supplement, material signing, informed confirmation and the like are included. And after the material signing is finished, submitting the material to an approval link for examining and approving specific information.

The second process approval module: the approval system distributes materials to different data auditing posts, different approvals personnel audit different accessory materials, then the approval system generates a client risk grade according to the information of a client, and when the risk grade is lower than a certain threshold value, the system can directly enter a quick approval process without manual intervention to increase the approval speed. And when the risk level exceeds a threshold value, entering a manual approval post, and judging whether the information material of the client returns to the state needing to be supplemented, whether the information material meets the regulation, whether the information material is rejected and the like by the manual approval post according to the information of the client. And if the approval is passed, the process is ended and the result is informed to the client.

A money use and deposit module: when the loan process passes, the module sends the loan amount to a client bank card according to the specific credit line and the client information.

In addition, the system includes an optional remote countersigning module that initiates a countersigning request by the client. After the customer manager is put through, the customer controls the camera to take a picture according to the prompt of the customer manager and then carries out identity OCR authentication, then the customer manager synchronously screens customer information to app to confirm, and a free question-answering link is carried out after the customer manager confirms that no mistake exists, and a question-answering list is provided by the system for the customer manager to serve as reference. And after the question and answer are finished, carrying out loan informed confirmation and signing a contract.

The accessory storage module provides a complete set of accessory storage policies including, but not limited to, the storage age, storage path, etc. of the accessory. Other modules can upload the accessories to the storage system after presetting the storage path, and the storage period can be synchronously set during uploading. Subsequent processes may query for attachments by invoking a download or preview interface of the storage system. The storage system realizes the unified management of all module accessories and avoids the condition that accessory materials are scattered and all systems cannot be uniformly checked and called.

The preferred embodiments of the invention disclosed above are intended to be illustrative only. The preferred embodiments are not intended to be exhaustive or to limit the invention to the precise embodiments disclosed. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the invention and the practical application, to thereby enable others skilled in the art to best utilize the invention. The invention is limited only by the claims and their full scope and equivalents.

Claims

1. A business handling and auditing method is characterized by comprising the following steps:

s1, after identity verification, inputting relevant information of customer assets, signing a credit investigation authorization and submitting an application to a system examination and approval decision;

s4, after the specific time period is appointed, the client enters a loan application progress page, and clicks a corresponding button to initiate a remote surface sign; after the remote face label is connected, the client controls the camera according to the prompt of a client manager, and starts an audio and video double recording process, which comprises links of identity verification and informed notification; the middle part also comprises an information confirmation link for confirming the input information of the client and uploading the attachment and a client question and answer link for the client according to a client question and answer list by a client manager; in the information confirmation link, a client manager updates each field or attachment of the input information and the uploaded data in an operation page, and synchronously casts a screen to a client APP page in real time; if the client's attachment information confirms an exception, the client manager can store and update the corresponding accessories through shooting or screen capturing of the camera; the accessory calls an interface of the accessory storage system in each link to upload to the accessory storage server and sets storage time effectiveness, and all accessory materials in the whole process are uploaded to the accessory storage system; when the system is used, a preview interface of the accessory storage system can be called for previewing in real time, and a download interface can be called for downloading to the local, so that the uniform management of accessory materials is realized;

2. A method for transacting and auditing a service according to claim 1, where if any link in steps S4-S5 has a breakpoint, recording continues from the original link.

3. A transaction and audit method according to claim 1 wherein the identity verification includes OCR and liveness check verification.

4. A transaction and audit method according to claim 1 wherein the customer property related information includes property, house credit, payment, policy, vehicle information for credit enhancement.

5. A business transaction and audit method according to claim 1 wherein the integrated assessment system channel includes a police system, credit investigation system, third party credit system, property assessment system for verifying the customer's admittance to a person, rating threshold, age, contact, income, property information.

6. A business handling and auditing method according to claim 1 where in step S4 the identity is verified, and if the system identity verification passes, the next link is started, and if the number of times the system verification fails exceeds a threshold, the customer manager can manually intervene to select whether the system identity passes.

7. A business transaction and auditing method according to claim 1 where the "customer question and answer list" provides personalized configuration content including the contents expanded from the list and the buttons to see if "screen shot" is required for the customer, and in the information screen shot sharing area, the customer manager can use the mouse to arbitrarily scribble, providing the function of clearing all but reversing annotations step by step.

8. A business handling and auditing system, comprising:

the first information entry module: the system is used for a client to automatically input specific client information at a client or to go to an offline website and to be assisted by a teller to input the client information; the client information comprises basic identity information of the client and credit-adding information including real estate, house loan, payment, insurance policy, vehicles and contacts, and is submitted to an approval system for approval;

9. A readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.

10. An apparatus comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein execution of the program by the processor is to implement the steps of the method according to any one of claims 1 to 7.